End of the Year Boost for Your Small Business

At the end of year, most small business owners feel one of two ways: they’ve either accomplished their revenue goals and are comfortably “in the black,” or they’ve missed the mark somewhere during the year and are in or close to being “in the red.” If you have found that you are missing your revenue goals for this year, there’s one major thing to keep in mind--the year isn’t over yet! You have time to get your … [Read more...]

How to Save During The Fall Frenzy

As the summer comes to a close, we will soon be in the fall season.  While those of us who live in South Florida don’t necessarily experience a change in the leaves or a significant drop in temperature, we all know that with the fall comes the chaos of holidays, family obligations, travel and more.   Read on for tips on how NOT to go broke this fall! Shop Smart The fall is a retailer’s dream and so they do … [Read more...]

Why You Need Multiple Streams of Income

Many of us have heard it said that most extremely successful people have multiple streams of income.  But what exactly does that mean? To have multiple streams of income basically means that you are generating income from more than one source.   Why is this important?  Because it means that should one income stream dry up or slow down, you still have other sources on which to rely.  Some income streams can look … [Read more...]

Resetting Your Financial Goals This Summer

It’s summertime, which can mean many different things to you depending on a variety of circumstances.  For those who have children, summer means camps and family activities. For those without, it can mean day parties and cruises.  And for just about all of us, it means less traffic on our morning drives. What also comes with the summer months, are expenses and the possibility of blowing our financial goals halfway … [Read more...]

Do I Need An Accountant For My Business?

If you run a business, you are required to file taxes with the IRS and in certain cases, your state's department of revenue. This can seem like a no-brainer, and though you may be able to file your own taxes, track your invoicing, manage your bookkeeping and payroll, and monitor your business’s cash flow...do you really want to?   The larger and more complex your business is, the more difficult it is to keep track … [Read more...]


Throughout our lives, many of us will find ourselves facing debt–whether it’s credit cards we’ve used irresponsibly, car payments we can’t keep up with, a mortgage, or that personal loan from grandma that we promised we’d pay back by a year ago…debt is no fun, and like most unpleasant things we often ignore our debts.  Unfortunately, this doesn’t make them disappear. In fact, the opposite usually happens - the more … [Read more...]

What To Do With That “Extra Money” From Your Tax Refund

Almost 83% of tax returns will result in a refund.  Based on your withholdings and tax bracket, tax season might be your favorite “holiday” after Christmas. You may already have big plans for your refund, but let’s go over a few smart ways you can make this money work for you. Before we get started, repeat after me: “This is not extra money.” Say it two more times for good measure. Considering your refund (or any … [Read more...]

W9s and 1099s…What Does It All Mean?

It’s tax time and if you run a small business (or are a freelancer), chances are you have paid contractors and/or have been a paid contractor.  Now is the time to make sure you have your W9s and 1099s in order! What is a W9 and Why Is It Important? A W-9 is a tax document that serves as a request form for information on the individual receiving payments. W-9s typically request basic information such as a … [Read more...]

Is Now The Best Time To Invest In A Roth Retirement Account?

In December 2017, the GOP’s Tax Cuts and Jobs Acts, the biggest tax overhaul in 30 years, was passed into law (read our previous blog). Whether you’re a fan, critic, left, right, or just indifferent about the new tax laws, our goal is to find ways to make the changes work for you. Starting with the 2018 tax year, we are going to experience what may be the lowest tax rates of our lifetime. That sounds great except … [Read more...]

What The New Tax Laws Mean For You

If you’re like the average American, you find the science of income taxes complex, and in a word--taxing. You may have found yourself in debates about the fairness of taxes, and trying to figure out what the new tax laws mean for you personally. While there has been much back and forth in Washington about how to roll out the new tax laws, one thing is for certain--2018 will be different for all of us. Taxes have … [Read more...]